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I value every client’s individual needs and dreams for purchasing residential property and understand that buying or refinancing a home can be a very emotional process. I am a patient and compassionate problem solver, and an expert in anticipating obstacles common in the mortgage industry. My goal is to keep the process moving forward as smoothly as possible with care and integrity, and to see clients smiling at the closing table.

With 15+ years of experience in the residential mortgage industry, I have been involved with thousands of transactions, helping people make the right decisions for their personal goals. I embrace the challenge of moving through the mortgage process for every client I work with, and thrive on creating common-sense solutions in a changing lending environment.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 4.25% Interest
  • Principal & Interest $949
  • Property Tax $250
  • Homeowners Insurance $58
  • Mortgage Insurance $84

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.


Jesssica was amazing. Answered all my calls and text with every tiny question we had. Sometimes even re-answered the same questions in different ways so we could better understand. She made the whole process super easy and smooth. While we were freaking out she kept us calm and on ... READ MORE Angel Romero
We spoke to Jessica a month ago, and now we are in our new house! The transaction was very easy, fast, straight forward, and stress free until closing. She looked out for our best interest, and not trying to force us into something beneficial just for the business. We would recommend her to anyone!! Baba Kulembwa House Owner
Jessica did a Fabulous job . She was always pleasant and well informed . She made this transaction super simple and totally stress free . She knows her job well and performs it seamlessly ! It was a real pleasure working with her ! Cynthia Buck
I have bought and sold many properties over the years and I must say that Jessica is amazing. There are always a few challenges with these purchases but with Jessica helping, navigation was seamless. Rest assure you are in great hands that will get you through the process. Thank you Jessica Scott Kane General contractor
I have worked with Jessica twice now, and she has been proffessional, efficient, transparent, informative, pleasant, and wonderfully accessible and attentive. I will contact her for all of my finance needs in the future. Thanks, Jessica! Matt Derrick
Jessica was responsive and had a great attitude through the whole process. Made a normally painful experience easy. I would heartily recommend her to anyone looking for a mortgage. EJ Bernacki
I am very impressed by the work that Jessica has provided to us. She worked very closely with my agent and ensured a very smooth and timeless process. With her awesome dedication to the home buying transaction, it literally took less than 2 weeks for the whole process, from beginning ... READ MORE Mohamad Nasir Mohamad Zakir Mohamad Nasir Mohamad Zakir Production Worker
Wish I could give Jessica more than 5 stars. Wow. I was such a nervous wreck buying our first house, and Jessica went above and beyond to help guide me through the process. From answering my frantic calls at any time day or night, to coming to my house to personally help me with my ... READ MORE Jessica Ledbetter
Jessica was amazing. This was my first time buying a home and she was great about walking me through the whole process and helping me find the right option. Clay Mitchell
First I would like to say thanks to Jessica Howard next she was so acknowledging when I asked her for loan program she was excited to help people she worked through loans process completed within 3 weeks so if anyone like to become a home owner ask to Jessica Howard she will explain ... READ MORE Zahid Hussin Jessica H
Without Jessica, my wife and I would certainly not be homeowners right now. We had an issue arise with our first lender last minute, the week of closing! It was an incredibly stressful experience. We were referred to Jessica by a family who had worked with her in the past and had a ... READ MORE Kyle Liss Kyle Liss Director of Orchestras, Frederick High School
Jessica was a wonderful resource and teacher throughout the whole process. I was totally knew to the mortgage and financing game and she made sure I understood everything along the way. She explained all our options and made sure we were comfortable with the down payment and mortgage ... READ MORE Molly Hoffman Attorney and First Time Home Buyer
We have used Jessica for 3 mortgages now and she has outperformed our expectations every time. I would highly recommend her and her team to anyone wanting an easy and seamless mortgage process. Richard T Watts Technical Project Manager
Jessica went out of her way to meet with me on a Sunday to provide information to start the process. From there on she demonstrated her high her standard of customer service. Easy to reach, and understanding I would recommend Jessica Howard to all future home buyers. Alexis Miley Curriculum Coordinator
Jessica is the best!!!!!!! I love this lady so much, she helped us as much as she can so that we can get the house. We need more people like her in this cold world, I am so blessed to get to know her. She did an amazing job♥️♥️♥️ Is not enough to Thank her. Tun Thein
Jessica is FANTASTIC!!! She walked us through the entire process; going above and beyond, making the home buying process as seamless and simple as possible. We will absolutely recommend her to everyone we know who is buying a house!!! Mo Alkhoudairy New Home Owner
She is very good loan officer. She is ready to help anytime. She is very easy for everybody DIPEN SHRESTHA

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